So I know there are a lot of very clever people on here, and hopefully someone can help me. Basically, I currently have a basic, basic Bank Account with the HSBC. There is always around £500 in there, and I just got a statement and I got £0.04 interest on that, so I think its time to change banks/accounts. TBH, I have NO IDEA what I'm doing. I know I want a Debit Card and a Good Interest Rate. There is not a certain amount of money going in each month, and I don't want a credit card or an over draft. I basically just want a better interest rate and to keep my debit card. What would anyone suggest? Cheers.